It is a good idea to have some form of credit monitoring on all 3 bureaus that will alert you if someone applies for credit in your name. If that happens, there are steps that you can go through to get this corrected at www.identitytheft.gov. These steps include, among other things, placing a 90-day fraud alert on your credit file. A 90-day fraud alert will make it impossible for someone to apply for credit in your name because the creditor must call you first to be sure you originated this credit application.

Additionally, the credit bureaus will not release information to credit monitoring companies if there is a fraud alert on your file, so the fraud alerts must be removed before the consumer can enroll for comprehensive Credit Monitoring / Identity Theft protection with IdentityIQ or any other similar service.

To place a 90-day fraud alert on your credit file, you simply call one of the credit bureaus, and they will call the other two credit bureaus for you. Setting up a 90-day fraud alert is free.
You can also place a credit freeze on your credit file. A person that has a frozen credit file is probably safer than one who does not.

However, freezing your credit is not a great option. You will be required to pay to freeze your credit and you have to call all 3 credit bureaus. While your credit freeze is in place, you cannot have credit monitoring, alerts, or have credit reports provided to you. You will need to pay to get yourself unfrozen.

During a credit freeze, no company can get access to your credit file, so you can’t buy a car, rent an apartment, refinance, etc.Credit monitoring is more practical.

IdentityIQ provides comprehensive Credit Monitoring with all 3 bureaus and a 30 day refresh on credit reports. 24/7 Identity Theft protection is included with the Credit Monitoring and the cost of their plans range from $6.99 – $29.99 per month.

Buying or Selling a home is a complex process. I am prepared to do whatever it takes to see you through this process. Work with a professional Realtor who is willing to Go The Distance For You. My goal is to be the best real estate agent you have ever worked with.

Leave a Comment

Message: (Required)Name (Required)Email (Required, but will not be published.)Website(Optional)

Contact Me

Would you like to visit a home you have seen? Just let me know and I would be happy to arrange it.

Name

Email

Phone

What can I help you with?

Real Estate Search

Location

Type

Beds

Baths

Price

To

Reviews

5OKChahtaWmn

We really enjoyed and appreciated having John as our Broker he was very honest, professional and prompt in answering any questions, and took care of a lot of the details for us prior to and at closing. We especially appreciated him putting up with us for... (more)

We really enjoyed and appreciated having John as our Broker he was very honest, professional and prompt in answering any questions, and took care of a lot of the details for us prior to and at closing. We especially appreciated him putting up with us for almost a year during our house hunting but in the end helped us decide on the perfect place for us. We'd highly recommend John to anyone. (less)

5user541473

John Cantero is the real estate agent I chose when I decided to buy a HUD foreclosure. It was not an easy process and John was always there to answer my call's and questions. If you are looking for a great real estate agent, John Cantero is who I would... (more)

John Cantero is the real estate agent I chose when I decided to buy a HUD foreclosure. It was not an easy process and John was always there to answer my call's and questions. If you are looking for a great real estate agent, John Cantero is who I would recommend. (less)

5lkeith82

We contacted John because he had such a good rating on Zillow. He lived up to the ratings in every way. John is very professional and patient with customers. He listened to our needs and used his multi-list software to send us an updated list each... (more)

We contacted John because he had such a good rating on Zillow. He lived up to the ratings in every way. John is very professional and patient with customers. He listened to our needs and used his multi-list software to send us an updated list each morning with suggested properties that potentially met our criteria. From this list we would select about 6 homes for him to schedule us to see. We did this about 3 weeks in a row and he never grew weary of showing us properties. We found the perfect home and he was with us for advice at each stage. We highly recommend John if you are looking to purchase a home anywhere in the Tulsa/Broken Arrow/Bixby/Jenks market. (less)